3 1. LOGIN 3 Login into Citi Trade Portal takes place via CitiDirect BE Portal. Open the CitiDirect login address (https://portal.citidirect.com) in your browser and log in an usual way with your SafeWord card. For a detailed step by step instruction on how to login into CitiDirect, please refer to the Login manual available in the Manuals section at citidirect.pl. After logging into CitiDirect via CitiDirect BE portal you will see the page presented below. Click Trade -> Trade Financing in the upper left corner of the screen. NOTE The application opens in a new window or in a new browser tab. If the message about blocking pop-up windows appears, click on the message and allow the pop-up window to open. 2. HOW TO BEGIN 2.1. Homepage When Citi Trade Portal module is opened, the Users will see the below page on their screen: Navigation bar contains the following menus: Letter of Credit, Guarantee, Collection, Invoices, General overview, Reports, Contracts, Settings. All of these items except for Reports are dropdown lists. Alerts section. My Shortcuts section.

4 The hereby User Manual refers to all products accessible via Citi Trade Portal. The content of menus and sub-menus visible to particular Users in the system depends on the entitlements assigned to these Users according to suitable documentation. 4 My Shortcuts section consists of maximum 5 shortcuts picked by the User. To select which shortcuts will be visible on the Homepage, click the Adjust button in the upper right corner of this section and follow the instructions available below in 2.2 My Shortcuts paragraph. Messages (alerts) section contains information about notifications sent to the User, which have not been opened (read) yet. Maximum of 10 unread messages can be displayed in this section. Under the alerts table you can find the Mark as read button if you select a message from the list and click this button it will become marked as read and disappear from the list. If there are more than 10 alerts available in the system, you can click the navigate to Alerts page hyperlink under the section to display all available alerts My Shortcuts My Shortcuts section visible on the homepage (welcome screen) allows the User to go directly to the earlier specified tab of their choice. To configure the shortcuts, go to Settings -> Shortcuts on the navigation bar. Before the User selects their own choice of shortcuts, the below two shortcuts are set as default in the system: Factoring preview of invoices Factoring contracts list Saved configuration for each User is stored individually. You can access the Shortcut menu and define your own shortcuts from here 2.3. Global settings In the Settings -> Global Settings tab, you can set the format of dates and numbers displayed in the portal (and available on generated reports, alerts). From here you can also set the number of items displayed in the list by default (applies when multiple pages are present in the table). Saved configuration for each User is stored individually. You can access Global Settings from here

5 2.4. Notifications In the Settings -> Notifications tab, you can set the types of notifications you wish to receive, as well as the way in which they will be delivered. 5 In the table, under Reminder type the User can choose the types of notifications they wish to receive (the reminder types are set up individually for each service). The available channels of notification delivery are: - Alert selecting this this notification type will result in notifications being displayed on the homepage screen under the Messages section. - SMS if this notification type is selected the notifications will be sent to the mobile phone number specified by the User in the Phone field. The mobile phone number should be entered in the following format: +48XXXYYZZWW or 48XXXYYZZWW where XXXYYZZWW represents the phone number. Citi Trade Portal SMS notification service is available for Polish mobile phone numbers (i.e. beginning with +48) only. - if this option is selected, the notifications will be sent to the address specified by the User in the field. For the notifications sent by SMS, the User can choose the preferred delivery time range (the default hours are: 8am 6pm on business days). If the unlimited box is ticked, the SMS notifications will be arriving simultaneously with the notifications sent by the other channels the very moment the event occurs in the system, even on weekends. If the User chooses not to receive any kind of notifications, especially the notifications for Financed invoices and The application was accepted it is highly recommended that the User logs into Citi Trade Portal every day. You can access the Notifications menu from here The list of available notifications and notification channels

6 3. FACTORING Invoices The drop-down selection lists of Buyers and Sellers are limited to 30 items. When Sellers or Buyers list contains more than 30 items, access to the full list is possible by clicking on the icon to the right of the drop-down list. Click here to input a new invoice or edit existing invoices Click here to upload a file with invoices Clicking this hyperlink will take you to the invoice sending page In this section of the screen you can input details for the created or modified invoices. The section in which invoices that have been input by the User as well as those that have been selected for modification will be displayed. After you finish entering details for the new invoice, click Add the invoice will then be saved and automatically made available on the Sending invoices screen with to send status. The list of newly entered invoices will be also displayed under the Preview of submitted invoices section below. From there, it is possible to modify the details of the created invoices just click modify in the Action column: When modify is clicked, the input fields in the upper part of the screen will be filled with details of the currently edited invoice. After you enter the desired changes into these fields, click Save the changes will then be applied to the invoice. If you wish to delete an invoice, select it from the list by ticking the corresponding checkbox and click Delete.

7 The invoices can also be uploaded into the system go to Invoices on the navigation bar and select Import from the drop-down list. 7 File import is a process consisting of two steps: Selecting the file you wish to upload and choosing the import template for this file from the list of templates provided by the Bank or templates created by the User. Verifying correctness of the uploaded invoices, correcting errors and editing invoice details. Click here to select the file with invoices that you would like to import into the system Select the import scheme earlier defined in the Configuration of File Templates (Settings -> File templates) Clicking this button will take you to the step 2/2 of the file importing process When the file with invoice details is uploaded into the system, each of its rows is automatically analysed according to the defined import template the rows formatted correctly are then marked with green tick, while the incorrect items from the list of uploaded invoices are marked with a red x. The red x icon warns about an error in the imported invoice The green tick symbol means that the invoice has been successfully uploaded. The invoices which have been uploaded into the system will appear in the Citi Trade Portal database with the to send status only after the Save approved invoices button is clicked. Simultaneously a check of selected items is run by the system. If the Send approved invoices button is clicked instead, the uploaded invoices will be sent to the Bank for processing and the step in which the invoices appear on the Invoice Sending screen to be verified will be skipped. These invoices will receive the sent status after passing the validation process. If the agreement concluded with the Bank includes authorization of invoices, after sending invoices the User will first need to authorize the sent items on the Invoices -> Approve screen. Only after authorization they will be released to the Bank for processing.

8 8 This button uploads the invoices into the Citi Trade Portal database they become available for sending from the Invoices -> Send tab. When clicked, this button sends the invoices to the Bank for processing, without the need to first go to the invoice sending screen at Invoices -> Send tab. If the User wishes to: - Send the approved invoices by default the system sets the current date as the Purchase request date. The Request purchase date can be changed in the step 2/2 of file upload by clicking change under the Action column of the table and then choosing the suitable Request purchase date from the calendar. - Save approved invoices to later send them from the Invoices -> Send tab - Purchase request date should be selected in the appropriate field on the Invoice Sending screen ( Requested execution date field) it can be selected for the entire group of invoices. The process of sending invoices from the Invoices -> Send tab is described below in the Sending section of this Manual. Regardless of the above, if a fixed Request purchase date has been specified in the agreement concluded with the Bank (e.g. always due date), the system will process the transactions according to the provisions of that agreement. In this field Purchase Request Date for the selected invoice should be input.

9 The success of file import and correctness of the uploaded file depends on whether that file has been prepared according to the appropriate import template. The User can choose a ready import template made available to them by the Bank or create their own import template. Detailed information about import templates and creation of import templates can be found in the system in the Settings -> File templates as well as chapter 3.5 of this manual. 9 The predefined template Faktoring Odwrócony does not include the Purchase request date field. The User can create their own file templates with Purchase request date in this case in step 2/2 of file import (the Send approved invoices button) the User can send invoices for which the Purchase request date has been specified in the uploaded file. Presented below are the two examples of file templates available in the system: Import file template Faktoring Odwrócony. Import file should be prepared as a text file coded in Windows 1250 (CP -1250). This import format can be used to support imports of invoices for various factoring programs in particular: Classic factoring Factoring with recourse Receivables discounting Supplier Finance In the import file, there are two types of records: The header row, which is skipped by the system during the import Row(s) with transactions, each containing the necessary information about one invoice Row structure: AgreementNo;SellerTAXid;BuyerTAXid;InvoiceNo;InvIssuanceDate;InvMaturityDate;InvAmount;CCY Import file example Faktoring Odwrócony : AgreementNo;SellerTAXid;BuyerTAXid;InvoiceNo;InvIssuanceDate;InvMaturityDate;InvAmount;CCY Agreement/01/2014; ;5210XXX100;Invoice01; ; ;1,01;EUR

10 Sending The Sending invoices screen consists of four parts: a filter section, main table with invoices, functional elements and summary information at the bottom. 10 Click here to go to the Sending Invoices tab Select the invoices you wish to send to the Bank for processing by ticking their checkboxes. Summary available for the invoices selected from the list. To send invoices to the Bank follow the steps outlined below: - tick the checkbox next to the invoice you wish to send - enter the Requested execution date i.e. the date on which the Bank should purchase the requested invoice - select the Request type depending on the agreement concluded with the Bank, you will have the following options to choose from: Transfer, Discount and Finance. - Click Send. You can send items with status to send, financed or rejected. In agreements where Discount and Transfer are specified as the available request types, you can send: - Transfer request - Discount request for those invoices for which transfer has been requested before - Discount request for invoices for which no transfer request has been made selecting this request type will result in both transfer and discount requests for the selected items being sent to the Bank After you click Send, all the selected invoices will be checked for errors. If errors are discovered, none of the invoices will be sent and an appropriate message will be displayed on the screen. From this screen it is also possible to edit invoices, delete invoices, pass invoices to modification and run cost simulation. To access these options click on the corresponding buttons under the list of invoices. These buttons will only become active if at least one invoice has been selected on the list. When at least one invoice on the list is selected, you will also see a total for the selected items as well as the limit available for the contract.

11 3.2. Authorization 11 Authorizing invoices is possible from the Invoices -> Approve tab. You can authorize the invoices by selecting them on the list (ticking appropriate checkboxes) and clicking Approve. A request sent to the Bank via Citi Trade Portal and authorized by the User is considered to be confirmed by the User and thus ordered to be processed by the Bank in a valid and effective way. Click here to access the Authorization screen. Select the invoices you wish authorize by ticking their checkboxes. Summary for the invoices selected from the list. The authorization screen is formed out of 4 sections: filer, invoice list, function buttons and summary. From here, the User may return the invoice to be corrected (by clicking on the Pass to modification ), delete the invoice ( Delete button), authorize the invoice ( Approve ) or run cost simulation ( Simulate costs ).

12 The authorization scheme specified in the section II of the CitiDirect/CitiDirect EB Activation/Configuration Citi Trade Portal determines the form of representation for the Client indicated in section I of that form, that is: 1) one person representation occurs in case of selecting the Through sending or 1 one level authorization scheme. In the Through sending authorization the User is entitled to contract obligations and to Create/Send requests. 1 one level authorization means that the User is entitled to contract obligations, however if the User is entitled to Create/Send and at the same time to Authorize requests, it is not possible for this User to Create/Send and then Authorize the request they created in the system, even in case of one person representation. 2) two person representation occurs in case of selecting the 2 two levels option in the authorization scheme. 2 two levels authorization means that the User is entitled to contract obligations together with another User with the authorization entitlement, however neither of these two Users may authorize the request that one of them created in the system. 12

13 3.3. General overview 13 Global invoice list is a screen on which statuses of all invoices can be viewed: Click here to access the Global invoice list tab. In the Status column details of the current invoice status are displayed. Clicking the hyperlink show will bring up a window with details of the particular invoices The buttons become active when at least one invoice is selected on the list Possible statuses for the invoices that can be found on the General overview screen are: - to approve invoices pending authorization - to modify invoices waiting to be modified - to send invoices which have been entered into the system and now await to be sent - sent invoices which have been sent to the Bank for processing but have not yet been accepted for processing by the Bank s transaction system - waiting for realization the invoices which have been sent to the Bank for processing, currently being processed by the Bank s transaction system - financed - invoices for which the request has been completed - rejected invoices sent to the Bank but rejected during the processing, it is possible to resend them - deleted invoices deleted from the list of invoices, which are not displayed on the list by default - cancelled for invoices that have been cancelled

14 Payments The Payments screen show those transfers, which could not be settled by the Bank and which are awaiting for the User to specify the liabilities (payables) that should be settled with them. This list shows only the transfers with the two following status types: new or sent to settle. The content displayed on the list of transfers depends on the scope of entitlements which have been assigned to the User. 14 Items that have been selected for settlement by the User will be visible on this screen with awaiting status under the Details section. After the request for settlement is verified by the Bank, regarding on whether the request has been accepted or rejected, its status will change accordingly. If all settlement requests have been accepted and the amount remaining to be settled equals 0, the payment will appear on the list with the status settled. Click here to access the Payments (settlement) screen. The settle link is available only for the payments with status new Details screen (which can be accessed through the link in the Details column) displays general information about the payment as well as information on the liabilities, which are selected to be settled with that transfer. The payment settlement screen (accessed by clicking the link settle in the Action column) displays general information about the payment as well as the unpaid liabilities, which the User can select for settlement. To settle a payment: 1) find a payment with status new on the list 2) click on the settle link for this payment in the Action column to open the Settlement of payments screen 3) on the Settlement of payments screen, on the Invoice - related payables screen, press Search button this will display the invoices available for settlement 4) choose the amounts (payables) you wish to settle and click on settle 5) the payment on the list will receive status sent to settle, and in the details (under the show link in Details column) for this payment you will be able to see which payables were selected for settlement The Bank analyses the settlement request sent by the User. Depending on whether the request is accepted for processing by the Bank or rejected, the payment will receive appropriate status in the Details column. If all settlement requests have been accepted and the amount remaining to be settled equals 0, the payment will appear on the list with the status settled.

15 15 After you press Settle, details of the payables selected on the list below will become available on the List of Payments screen (after clicking show in the Details column) and the transfer status on the payments list will change from new to sent to settle Total for the amounts selected on the list Alerts Displayed on this screen are all alerts that have been generated by the system for the User. Click here to access the tab with lists of Alerts A list of possible alert topics. You can configure them in the Settings -> Notifications tab. You can delete the alerts by selecting them from the list and clicking Delete. The Delete button becomes available after at least one alert is selected from the list.

16 When the details of the alert are clicked (the alert is read), the status new will change to read for that alert. Factor s invoices (e-invoices) 16 On this screen you can view the list of invoices issued by the Bank and made available in the system. The content of this list depends on scope of assigned User entitlements. Click here to access the e-invoices screen. For three months from the submission date of the invoice, you can download it from the system by clicking on the download link in Action column. If the invoice is older than three months, the link download will disappear and in its place there will appear a phrase archived. Letters This screen allows access to documents available in the system. Click here to access the Letters (documents) screen.

17 Just like in the case of invoices, you can download the document by clicking on the download link in the Action menu. However if the document was made available in the system three months ago or earlier, the download link will disappear and will become replaced with the word archived Contracts The screen available under Contracts -> Contract list features a list of agreements concluded with the Bank which are serviced through the Citi Trade Portal. Click here to access the list of Contracts. When you click: - details in the Details column, you can display information about each of the contracts - modify in the Action column you can modify the threshold amount which, if exceeded will result in a notification to be sent to the User. Such a notification can be set up from the Settings -> Notifications tab ( Defined limit has been crossed notification) Additional information File templates file import scheme In the Settings -> File templates tab you can view import templates predefined by the Bank or create your own file import template by clicking New template button. Click here to access the File templates screen. Click here to create your own file import template.

18 The New File Template creation screen is formed out of three parts: - The part concerning the file structure (technical parameters) here you can set up technical parameters of the file, e.g. column separator type or date format. - Configuration of file columns here you may specify the order of column in the imported files. You can also set up a fixed value for particular columns. - Test of the new file template here you may test if the files you wish to upload to the system are formatted according to the specified new import template. To run a test click Browse to select the file, and then click Run rest button. 18 Part related to structure of the file (technical parameters). Part related to the configuration of columns in the imported files. Testing section, where you can upload the file you plan to enter into the system and test if it is correct (formatted according to the template) simply click Browse to select the file, and then click Run rest button.

19 4. REPORTS 19 The list of available reports differs depending on which entitlements have been assigned to the User on the configuration form. The screen consists of three sections: At the top a drop down list from which the desired type of report is chosen. In the middle, configuration part where, once the type of report has been indicated, the fields are displayed to enter the report parameters as well as the configuration of the lists of columns to be returned in the report. The lower part of the form contains action buttons used to generate the report and view it in the form and to download the CSV file containing the report. Click here to go to the Reports tab. Dropdown selection list of available report types. Brief description of the currently selected report type. Configuration of report details. Here you select the columns that will appear on the report. Action buttons. After you click the button Show, the selected report will be displayed in form of a table (with enabled sorting by columns) in a pop-up window. You can click the Download button under that table to download the report in CSV format. If you do not want to preview the report before downloading it, you can simply click the Download button on the main Reports screen the report will then be downloaded in CSV format.

20 Reports specifications Report name: Factoring/Supplier Finance: Factored invoices over defined period The Report presents factored invoices within Factoring/Supplier Finance contracts over a given period of time. Data presented in the report show current state of those invoices. 20 The report shows invoices which, in a given timeframe, received the financed status. Transfer requests which were disbursed (discounted) later will appear in the report as separate items (provided that the timeframe specified in the filter covers both the acceptance of the invoice for collection and the later disbursement (discount) of the invoice). The values for invoices accepted in a currency other than the agreement currency will be presented in the request currency (no conversion into the agreement currency). Available report columns: No Column title Comment 1 Contract no. Number of the agreement signed with the Bank 2 Contract type Type of agreement signed with the Bank (e.g. Factoring with recourse) 3 Seller Abbreviated name of the company in the seller s role for this invoice 4 Buyer Abbreviated name of the company in the buyer s role for this invoice 5 Invoice no. Number of the invoice 6 Request type Type of request that a given invoice refers to (e.g. transfer, discount, financing) 7 Installment no. Number of the installment (or blank field if the invoice is not linked with installments). Note: the column is not included by default in the report columns 8 Installment currency Currency of the installment - if other than currency of invoice. 9 Installment rate Exchange rate at which the installment value is converted at the installment rate. 10 Invoice date Issue date based on the invoice 11 Invoice due date Payment date based on the invoice 12 Invoice amount The invoice nominal amount. 13 Installment amount Amount of the installment (or blank field if the invoice is not linked with installments) Note: the column is not included by default in the report columns 14 Currency Currency of the invoice 15 Total advanced Information on the invoice value financed by the Bank (product of multiplication of the amount of invoice * financing percentage). 16 Advance rate Information on the invoice percentage financed by the Bank 17 Status The report presents only invoices which have or had the financed status. 18 Execution date Date on which the request was completed. 19 Extended maturity The date of the invoice final maturity in relation to the Bank (e.g. based on extension of the invoice due date by the grace period under the agreement) 20 Payment date Date of the final repayment which paid off a given invoice 21 Recourse Information on whether the invoice recourse was performed 22 Total amount paid The sum of amounts which the Bank received as repayment of the invoice principal amount 23 Amount left to pay Current invoice balance. 24 Paid advance amount Information on whether the amount of financing was repaid. Information given on the basis of the current invoice balance.

21 Report name: Factoring/Supplier Finance: Factored invoices over defined period (detailed costs) Report similar to Report 1 featuring additional columns with invoice costs. 21 Additional columns (in comparison to Report 1.) No Column title Comment 25 Discount interest rate Base rate (WIBOR/LIBOR ) 26 Discount interest net amount Value of the calculated net discount 27 VAT rate on discount interest VAT rate of the discount. If various VAT rates are applied to a given discount calculation, the multiple rates value will be displayed in the field. 28 VAT on discount interest Value of VAT on the discount. 29 Discount interest gross Value of the calculated (gross) discount. amount 30 Invoice fee net amount The (net) commission value for invoice disbursement (or a blank field if the invoice was accepted for collection) 31 VAT rate on invoice fee VAT rate on commission for invoice disbursement (or a blank field if the invoice was accepted for collection). If various VAT rates are applied to a given discount calculation, the multiple rates value will be displayed in the field. 32 VAT on invoice fee The value of VAT on commission for invoice disbursement (or a blank field if the invoice was accepted for collection) 33 Invoice fee gross amount The (gross) commission value for invoice disbursement (or a blank field if the invoice was accepted for collection) 34 Custom fee net amount The (net) commission value for invoice acceptance for collection (or a blank field if the invoice was discounted) 35 VAT rate on custom fee VAT rate on commission for invoice acceptance for collection (or a blank field if the invoice was disbursed). If various VAT rates are applied to a given discount calculation, the multiple rates value will be displayed in the field. 36 VAT on custom fee The value of VAT on commission for invoice acceptance for collection (or a blank field if the invoice was discounted) 37 Custom fee gross amount The (gross) commission value for invoice acceptance for collection (or a blank field if the invoice was discounted) Report name: Financing history over a given period Report presenting total amount advanced over a given period. Totals are presented per individual buyer as well as each currency. Data presented in the report show current state of those invoices. Available report columns: No Column title Comment 1 Contract no. Number of the agreement signed with the Bank 2 Contract type Type of agreement signed with the Bank (e.g. Factoring with recourse) 3 Seller Abbreviated name of company in the seller s role 4 Buyer Abbreviated name of company in the buyer s role 5 Total invoices amount Sum of amounts of disbursed invoices (per discounting dates). 6 Currency Currency of the invoice 7 Total amount advanced Total amount financed for invoices included in the report. 8 Total amount left to pay Sum of current balances of invoices included in the report.

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